Call reports 2009
RUTH STATE BANK — 2009
What RUTH STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 30,705,000 | 30,357,000 | 30,326,000 | 31,867,000 |
| Total loans | 8,277,000 | 8,357,000 | 8,411,000 | 8,597,000 |
| Allowance for loan losses | 125,000 | 125,000 | 126,000 | 125,000 |
| Securities available for sale | 18,245,000 | 16,899,000 | 15,901,000 | 14,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,992,000 | 26,630,000 | 26,533,000 | 28,586,000 |
| Interest-bearing deposits | 23,025,000 | 22,675,000 | 22,364,000 | 23,347,000 |
| Noninterest-bearing deposits | 3,967,000 | 3,955,000 | 4,169,000 | 5,239,000 |
| Equity capital | 3,517,000 | 3,521,000 | 3,589,000 | 3,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 583,000 | 871,000 | 1,149,000 |
| Interest expense | 113,000 | 215,000 | 312,000 | 405,000 |
| Net interest income | 197,000 | 368,000 | 559,000 | 744,000 |
| Noninterest income | 9,000 | 20,000 | 31,000 | 49,000 |
| Noninterest expense | 133,000 | 272,000 | 435,000 | 689,000 |
| Provision for loan losses | 0 | 24,000 | 24,000 | 23,000 |
| Pretax income | 73,000 | 92,000 | 131,000 | 81,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 92,000 | 131,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,329,000 | 3,348,000 | 3,387,000 | 3,038,000 |
| Total capital | 3,454,000 | 3,473,000 | 3,513,000 | 3,163,000 |
| Risk-weighted assets | 12,648,000 | 12,590,000 | 12,684,000 | 13,707,000 |
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